I'm not completely following this whole healthcare reform. I do know that it's more cost effective for employeers of small businesses to use a SHOP exchange: https://www.healthcare.gov/what-is-the-shop-marketplace/

According to my current employeer they wont be able to purchase 100% coverage using the health exchange. So personally this is going to start costing me significantly more...

Edit:Apparently - our benefits consultant commented that it would be cheaper for individuals to purchase their own health insurance. I guess I will deal with that when the time comes.